Privacy Policy
Last updated: June 2026
NoxCred treats your privacy as a core design principle, not a legal formality. This document explains — in direct, everyday language — what data our mobile application ('App') collects, the reasons we collect it, and exactly how we safeguard it.
Installing and using the App indicates that you have read and accepted this Policy. If any part of it is not acceptable to you, please uninstall the App. We recommend reading this alongside our Terms of Service, which governs the rules that apply to your credit account.
Delivering a reliable credit service requires us to collect specific categories of information. Below is a transparent account of each one and why it is needed.
To create and verify your account we collect your full legal name, date of birth, mobile number, email address, and the relevant details from your government-issued identity document. All data is encrypted before transmission and stored exclusively at: server.noxcred.com
Your device transmits certain technical details — including model, operating-system version, network IP, and Google Advertising ID — which we use to maintain platform security and service reliability. None of this information is used for advertising or creditworthiness assessments.
To guard against fraudulent activity, the App may read metadata from other applications installed on your device, limited to package names and installation records. We do not access any app content, passwords, messages, or usage data. This information is used solely for fraud prevention.
Uploading identity documents requires camera access. Any image you capture is immediately encrypted and transmitted to server.noxcred.com for verification. The image is permanently deleted once the process is complete. Camera access is never activated passively or without an explicit action by you.
If you grant permission, the App may use your approximate location to confirm that our service is available in your area. We do not collect or store precise GPS coordinates, and location data plays no role in advertising or credit decisions.
Anonymised, aggregated usage data — such as navigation flows, session duration, and error reports — helps us diagnose issues and improve the App experience. This data cannot be traced back to any individual user.
We process personal data strictly for defined, legitimate purposes:
You may withdraw any optional permission at any time. Features dependent on a given permission may become limited, but your core account will remain fully active. We will never access data from permissions you have not granted.
NoxCred does not sell, rent, or trade your personal data. We share information with third parties only where strictly necessary, and only for the following purposes:
Every third party operates under binding confidentiality obligations and is prohibited from using your data for any purpose unrelated to NoxCred's services.
Data security is built into our processes from the ground up. The following controls are active at all times:
If you suspect your account has been accessed without your authorisation, contact us immediately at support@noxcred.com. We will investigate and take action without delay.
We retain personal data only for as long as the purpose for which it was collected remains active, or as required by applicable law — whichever period is longer.
When your account is closed and any mandatory retention window has elapsed, your data is either permanently deleted or rendered irrecoverable through anonymisation. Specific retention periods vary by data category and the regulations that apply.
NoxCred is designed for adults. We do not accept registrations from individuals under 18, and our identity verification process is built to detect and reject underage applications.
If we discover that an account belongs to a user under 18, we will close the account immediately, cancel any open transactions, and delete all associated data without delay. To report concerns about a minor's registration, contact us at support@noxcred.com.
As the person whose data we hold, you are entitled to:
To exercise any of these rights, write to us at support@noxcred.com. We will respond within a reasonable period after confirming your identity. We may ask you to verify who you are before we proceed.
This Policy will be updated periodically to reflect changes in our services or applicable law. Significant amendments will be communicated through the App or by email before they take effect.
Minor corrections may be applied without prior notice and take effect immediately. The version date at the top of this page marks the current revision. Continuing to use the App after any update constitutes acceptance of the revised Policy.
For questions, data requests, or any concern about how we handle your personal information, our team is ready to help.